Calculator
Bond / Home loan
Model your bond, the impact of extra payments, refinancing and once-off lump sums.
Inputs · Scenario A
R 0
Inputs · Scenario B
R 0
Improvement of R 0 added to B principal.
Inputs · Scenario C
Once-off lump sums into bond
Total once-off: R 0
Scenario A · Current bond
Monthly repaymentR 16 689
Total interestR 2 465 381
Paid off (base)Year 2046
Paid off (with extra)Year 2046
Time saved0y 0m
Affordability22% of income
Scenario B · Refinance / New
Monthly repaymentR 15 635
Total interestR 2 212 286
Paid off (base)Year 2046
Paid off (with extra)Year 2046
New principalR 1 540 000
Rate10.75%
Scenario C · Once-off lumps
Monthly repaymentR 16 689
Total once-off paidR 0
Total interestR 2 465 381
Interest saved vs baseR 0
Paid off (with lumps)Year 2046
Time saved0y 0m
No once-off payments entered.
Summary & recommendation
Try adding even R500–R2,000 extra per month to see thousands in interest saved.
Scenario B saves R 253 095 in total interest vs Scenario A.
Enter up to 5 once-off lump sums (e.g. bonus, 13th cheque, inheritance) to see the impact.
Balance over time
Detailed amortisation schedule
240 months · Total paid R 4 005 381 · Interest R 2 465 381
| Year | Months | Payments | Interest | Principal | Balance |
|---|---|---|---|---|---|
| 2026 | 1–12 | R 200 269 | R 179 875 | R 20 394 | R 1 519 606 |
| 2027 | 13–24 | R 200 269 | R 177 345 | R 22 924 | R 1 496 682 |
| 2028 | 25–36 | R 200 269 | R 174 502 | R 25 767 | R 1 470 915 |
| 2029 | 37–48 | R 200 269 | R 171 306 | R 28 963 | R 1 441 951 |
| 2030 | 49–60 | R 200 269 | R 167 713 | R 32 556 | R 1 409 395 |
| 2031 | 61–72 | R 200 269 | R 163 675 | R 36 594 | R 1 372 801 |
| 2032 | 73–84 | R 200 269 | R 159 136 | R 41 133 | R 1 331 667 |
| 2033 | 85–96 | R 200 269 | R 154 033 | R 46 236 | R 1 285 432 |
| 2034 | 97–108 | R 200 269 | R 148 298 | R 51 971 | R 1 233 461 |
| 2035 | 109–120 | R 200 269 | R 141 852 | R 58 417 | R 1 175 044 |
| 2036 | 121–132 | R 200 269 | R 134 606 | R 65 663 | R 1 109 381 |
| 2037 | 133–144 | R 200 269 | R 126 461 | R 73 808 | R 1 035 573 |
| 2038 | 145–156 | R 200 269 | R 117 306 | R 82 963 | R 952 611 |
| 2039 | 157–168 | R 200 269 | R 107 016 | R 93 253 | R 859 357 |
| 2040 | 169–180 | R 200 269 | R 95 449 | R 104 820 | R 754 537 |
| 2041 | 181–192 | R 200 269 | R 82 447 | R 117 822 | R 636 715 |
| 2042 | 193–204 | R 200 269 | R 67 832 | R 132 437 | R 504 278 |
| 2043 | 205–216 | R 200 269 | R 51 405 | R 148 864 | R 355 414 |
| 2044 | 217–228 | R 200 269 | R 32 940 | R 167 329 | R 188 084 |
| 2045 | 229–240 | R 200 269 | R 12 185 | R 188 084 | R 0 |